255 Bay Pt, Naples, FL 34103 Property Records

Collier County property record for 255 Bay Pt, Naples, FL 34103

Property Summary

Property Type	Single Family Home
Details	3,692 sqft · built 1999
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$5,800,000 (Feb 2025)
Tax Bill	$37,341 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`088300 Q 184A21`

Property Details

APN / Parcel Number

Primary APN	`088300 Q 184A21`
Alternative APN	`12986760009`

Interior

Stories	1 Story
Building Area	3,692 sqft Living Area
1st Floor Area	3,692 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Masonry / Concrete Block
Lot Area	15,682 sqft (0.36 acres)
View / Lot	Waterfront

Exterior Amenities

Pool Area	364 sqft
Deck Area	161 sqft
Boat Access	Boat Access
Boat House	651 sqft

Location & Zoning

Street Address	255 BAY PT
City	NAPLES
State	FL
Zip	34103-4000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NAPLES
Legal Description	MOORINGS UNIT 6 BLK Q LOT 18
Legal Range	25
Legal Township	49
Legal Section	21
Legal Subdivision	MOORINGS UNIT 6
Legal Tract	088300
Legal Block	Q
Legal Lot Number	18
Legal Unit	6
Jurisdiction	COLLIER FL
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2002
Census Tract	301

Owner

Source: Collier County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3180 W MARKET ST, FAIRLAWN, OH 44333-3314
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage WESBANCO BANK INC
May 31, 2023	Warranty Deed, Transfer · Conventional Mortgage CNB MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2025 · Amount on Record
Deed Sale	Feb 19, 2025 · Amount on Record
Prior Sale	May 31, 2023 · Amount on Record
Deed Document Number	20256646482
Deed Book / Page	6440 / 2689
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLLIER FL
Property Address	255 BAY PT, NAPLES, FL 34103-4000
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 BAY PT, NAPLES, FL 34103-4000

Mortgage

Document Number	0065422695
Date	Jan 6, 2026
Book Page	6542/2695
Instrument	6770785

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Dec 1, 2032
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	11.2%
Index	1-Year CMT
Margin	3
Max Rate	11.2%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COLLIER FL
Recording Date	May 31, 2023
Property Address	255 BAY PT, NAPLES, FL 34103-4000
Document Number	0062523290
Book / Page	6252 / 3290
Map Reference	MB 8 PG 7&8
Instrument Date	May 26, 2023
Instrument	6410170
Transaction Type	Transfer
Record Updated	Jun 9, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	753 JETTON ST, DAVIDSON, NC 28036-7104

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	255 BAY PT, NAPLES, FL 34103-4000

Mortgage

Document Number	0062523292
Date	May 31, 2023
Instrument	6252/3292

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

Source: Collier County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Collier County
Municipality	Naples City
Unified School District	Collier County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$5,535,536 (+34.36%) Land $3,850,648 Building $1,684,888	$5,535,536 (+34.36%) Land $3,850,648 Building $1,684,888
2025	$37,341.00 (+45.06%)	$4,119,783 (+46.01%) Land $3,850,648 Building $269,135	$4,119,783 (-44.67%) Land $3,850,648 Building $269,135
2023	$25,742.00 (-2.92%) Homeowner's exemption Widower's exemption	$2,821,500 (+3%)	$7,445,530 (+33.67%) Land $6,225,232 Building $1,220,298
2022	$26,517.00 Homeowner's exemption	$2,739,320	$5,569,932 Land $4,477,309 Building $1,092,623

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 243 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	782 units insured incl. 539 condo units
Nearby Flood Claims	286 (1985–2024)
Claims Outside the SFHA	4 of 286
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Ian, Sep 2022 · 121 claims Hurricane Ian, Sep 2022 · 108 claims Hurricane Irma, Sep 2017 · 24 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NAPLES WATER DEPT serves 83,804 people · EPA ID FL5110198
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications, Summit Broadband.

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